Blue Cash Everyday® Card From American Express
vs. U.S. Bank Cash+® Visa Signature® Card

Both the Blue Cash Everyday® Card from American Express and the U.S. Bank Cash+® Visa Signature® Card offer enticing cash back rewards and share the benefit of no annual fee, making them strong contenders for savvy spenders. In the head-to-head, the U.S. Bank Cash+ edges out with a slightly higher cash back potential in selected categories.

But the Blue Cash Everyday Card's consistent cash back at supermarkets, online retailers and gas stations makes it a reliable choice, especially with its introductory APR offer on purchases and balance transfers. While the U.S. Bank Cash+ may seem complex with its rewards structure, its tailored cash back categories can be highly rewarding if you strategize your spending.

You might prefer the Blue Cash Everyday if you frequently shop at U.S. supermarkets, U.S. online retail sites and U.S. gas stations. The card offers a generous 3% cash back in these categories, up to a specified limit, and a $200 welcome offer, albeit with a higher spending requirement. Its introductory APR period for purchases and balance transfers can also be a significant cost-saving feature if you're planning a large purchase or have an existing debt to transfer.

You might prefer the U.S. Bank Cash+ if you value flexibility in choosing your cash back categories. With the ability to select two 5% cash back categories each quarter, this card adapts to your spending habits. The welcome bonus is also easier to attain with a lower spending threshold, and the longer 0% APR period on balance transfers offers a substantial window for managing existing debt.

Evaluating features like APRs, fees, credit requirements, rewards and introductory offers will clarify which card is for you. For instance, if you spend heavily on groceries, the Blue Cash Everyday's supermarket cash back might appeal to you, whereas the U.S. Bank Cash+ offers customizable rewards that could benefit diverse spending patterns.

The U.S. Bank Cash+ edges out the Blue Cash Everyday in terms of rewards flexibility and potential earning rate. With the ability to select two 5% cash back categories quarterly, it caters to personalized spending habits.

However, the Blue Cash Everyday holds its ground with a strong 3% cash back at U.S. supermarkets, online retail purchases and gas stations, which may appeal if you have consistent spending in these areas.

U.S. Bank Cash+ Categories

For the U.S. Bank Cash+, the “pick your own” categories are a standout feature. You can choose two categories each quarter for 5% cash back, such as:

• TV, internet, and streaming services
• Home utilities
• Phone providers

Additionally, you can select one everyday category for an unlimited 2% cash back, like gas stations or grocery stores.

The table outlines the bonus categories for each card to help you compare them at a glance.

The Blue Cash Everyday allows for flexible redemption as statement credit or at Amazon.com checkout, with no minimum amount required and no expiration on cash back. By contrast, the U.S. Bank Cash+ card requires at least $25 in cash back to redeem and limits redemptions to U.S. Bank accounts, with an expiration of 36 months.

MoneyGeek evaluates credit cards like the Blue Cash Everyday and U.S. Bank Cash+ based on their performance in various use cases. This approach ensures that the score reflects the card's performance in the scenario where it provides the most value.

For cash back cards, the primary factors we consider are the effective reward rate and the return on investment for offers. These elements — along with annual fees, introductory purchase rates and issuer satisfaction — contribute to a card's overall score. For a detailed understanding of our process, you can review our ranking methodology.

For rates and fees of the Blue Cash Everyday® Card From American Express, please click here.